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Thirty-five percent of Detroiters making less than $30,000 said they were in a worse financial state than a year ago, according to a Detroit Metro Area Communities Study. (Detroit Stock City photo by Erik Hall)

A new survey of Detroiters shows that affordable housing remains a persistent challenge for thousands, despite millions in pandemic financial aid and unprecedented efforts to slow evictions. 

Roughly one third of Detroiters missed at least one housing payment in the past year and about 39,000 households are spending more than half of their income on rent and mortgages, according to a new University of Michigan survey of city residents from late last year. 

That exceeds what the federal government considers affordable. Families spending more than 30% of their income on rent and utilities may have trouble paying other bills, whether that’s food or medical care, according to the U.S. Department of Housing and Urban Development. 

While most Detroiters say their financial situation is steady or improving, nearly a quarter report that it’s actually gotten worse in the past 12 months, particularly low-income residents. 

The survey released last week from U-M’s Detroit Metro Area Communities Study captures Detroiters’ financial pulse, following the economic blow of the pandemic that saw jobs losses and a massive injection of aid to strapped families.

Those safety nets, from the child tax credit and stimulus checks to eviction moratoriums and rent assistance, have ended or are dwindling. 

The survey findings highlight how the pandemic maintained the gap between lower and higher income families, if not slightly exacerbated them, said Lydia Wileden, a research associate at the Detroit Metro Area Communities Study, who co-authored the report.

“The people at the top are the people who are already probably in the most stable situations — those earning more than $60,000, which is twice the median income of the average Detroit household, those who are employed,” Wileden said. “Those are the people who said that they were experiencing slightly improved financial situations.” 

Thirty-five percent of Detroiters making less than $30,000 said they were in a worse financial state than a year ago.

These families may have less of a cushion to fall back on, Wileden said. A survey from early on in the pandemic from the same group found that 42% of Detroiters said they couldn’t afford a $400 emergency expense. 

“That speaks to the level of economic fragility that a lot of Detroiters have lived in and possibly continue to live in,” Wileden said. 

The survey, conducted between November 3 and December 15, is a representative sample of 1,900 Detroiters.

Among the findings in the report: 

  • Parents who received the child tax credit are twice as likely as those who didn’t receive that boost to report that their economic situation got better. 
  • Renters are more likely to say they spend a larger chunk of their paycheck on housing. Nearly a quarter of renters spend more than half of their income on housing, compared to 5% of homeowners. That looks like 33,000 renter and 6,000 homeowner households whose housing bills largely eat into their earnings. But this “cost burden” also depends on how much a person makes, Wileden said. A person making $5,000 a month and living in a $2,500 a month apartment in downtown Detroit may be better able to absorb that expense compared to someone making less. 
  • 43% of parents said they missed at least one housing payment.
  • 17% of residents said they faced utility shut offs, with the most common being phone or internet service. 

“Those who received stimulus payments are a lot less likely to report that they have experienced some economic challenges over time,” Wileden said. 

A March study from the University of Michigan Poverty Solutions initiative found that pandemic-era safety nets, including the expanded child tax credit and stimulus checks, buffered financial hardships, but the end of those policies may place a toll on families in the year ahead

Read the full report at

Nushrat Rahman covers issues related to economic mobility for the Detroit Free Press and BridgeDetroit as a corps member with Report for America, an initiative of The GroundTruth Project.

Join the Conversation


  1. So what is being done about this housing crisis. Just what. How long has this been going on decades and decades and nothing has been done about it.

    This world that we live in these United States is set up for failure.

    No one cares about the people which to include the senior citizens, disable vets and the homeless!!!

    Governor John Engler closed down all of the mental health facilities during his tenure!!!! So where are they, in prison, living on the streets, etc;

    A vicious cycle that has repeated its self though out history.

  2. What is being done to protect these helpless innocent fur babies. A reminder fur babies are just like children we as humans must speak for them and be their voice.

    They are being abuse and suffering in the hands of the streets and these non humans (bait).

    Governor Jennifer Granholm and Mayor Mike Duggan need to act upon this as if they were their children and or a family member.

    The laws needs to be change to protect them. Did you no that the laws here in Michigan is over 100 years old!!!

  3. Detroit are in an hardship we all live below the property line for decades but now it’s in dangerous water’s it’s really really bad but people of colour keep secrets well there living in hotel’s with children no money for food no money for gas it’s bad . Seniors an disabled on fixed income can’t do no repairs to there homes falling apart no money for home taxes after paying Co payments for medication, water light bills insurance on home an car nothing left it’s trouble the US 🇺🇸 have failed badly the black an brown people due to synthmic racism.

  4. We already know this! We’ve been saying this for a long time! We are sick and tired of all the talk, do something to help people! People are sick and tired of just talking about this with no action! We need to understand what are you going to do to help people in this situation?

  5. Nushrat, Detroit Affordable Housing & Homelessness Task Force thanks you for reporting this informative housing article.

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